Mattress Financing 101

It’s tempting, that big “0% Financing” claim on many mattress company websites and in their windows, but what should you know before starting that application? Financing a mattress can have an array of benefits and might be a convenient option for you, but the fine print is important to dig into.

Whatever your reason, there are a few things you should know before you finance a bed. While ultimately only you can make the final call, we can definitely break down some of the things you’ll encounter and help you navigate the ins and outs of mattress payment plans.

Traditional Mattress Financing If you’ve been shopping online with some of the bigger, more traditional mattress companies, you’ve probably seen the phrases “Special Financing” or “Promotional Period” a couple of times. Most mattress stores with financing will advertise their financing openly, and they probably have multiple credit options to look into.

These are credit cards that are specific to the mattress store and usually require a minimum purchase with their chain to qualify.

These options usually boast 0% interest for a certain number of months, which can be a good option for shoppers who know they will be able to pay the balance of their purchase within that time.

Some companies also offer in house financing through progressive payment programs. This typically means that instead of paying all at once, you have a small time frame to pay it off, without some of the drawbacks of a credit account.

Affirm—And Why We Use It Affirm is a company that provides smaller loans for online purchases, a great option for easy mattress financing. They partner with many e-commerce brands to make financing a purchase quick and clear. You can learn more about how to purchase through Affirm and their terms here.

Our customers have often asked us for financing options, and it was important to us that we picked an option we felt was simple and transparent. Affirm only takes a few moments to get a decision back and you can be sleeping on a new mattress in just a few days.

Both credit cards and small loan companies like Affirm work well for customers who aren’t looking to spend the full amount now but need a new mattress, and ultimately the decision comes down to what’s best for your personal needs.

If you have any questions about using Affirm to purchase our products, our team is always here to help!

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Shelly Weaver-Cather
Shelly Weaver-Cather

Shelly Weaver is part of the Content Team at Tuft & Needle, leading the writing and editing of our blog. Not quite a Phoenix native, (They take that sort of thing super seriously.) Shelly has spent most of her life in the Phoenix Metro area and has no plans of leaving anytime soon. She made the unexpected jump out of wedding photography and onto T&N’s team in 2016, and found a passion for the people that keep the lights on. She still finds herself shooting in her free time, though these days there are less bridal portraits and more masterpieces of her first child, Duke, a lab-pit mix with an unparalleled love for both T&N mattress hogging and couch destroying.

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